By now it has become obvious to you that I enjoy a writing style that both meanders and is full of quips and retorts. Disappointing my audience is by far the last thing I ever want to do so here goes. The list below speaks to some of the easier ways to greatly increase you take home income by reducing what you spend.

(1) Smoke 'em if you got 'em..better yet smoke your friends. They are cheaper. At a cost of $7.00 a pack for name brand and $5.00 a pack generic, the cost of smoking adds up fast. If you smoke a pack a day it will cost you $1825 to as much as $2555 a year.

(2) Spend less on food. If you refrain from eating out once a week, you could save as much as $416.00 a year. Based on my personal experiences, the average check at your typical "sit down" establishment nowadays is $12-$14.00. The average at a fast food establishment is 5-6 dollars. If we take an average and get a number in the 10-11 dollar range and subtract the 2-3 dollars it would take to have a sandwich or other suitable meal at home, we end up with $8.00. 8 x 52 weeks= $416.00

(3) I have not had a home phone in 4 years. Why pay a cell phone bill and a land line bill? The only people that called the home number anyway were telemarketers! A Basic line costs $25.00 these days. That's $300 a year in savings.

(4) Get rid of cable! The average cable or Sat TV bill nowadays is $150.00!!Highway robbery. You can watch half the stuff for free online anyway. That is a savings of $1,800 a year! If you can't do without your weekly shows, get Netflix. It costs only $8 a month for unlimited streaming. You still net $1,704!

(5) much like #1....this one saves a ton of money. SOS, (Stop the Starbucks) , ladies. If you are one of those who has the Starbucks obsession it will set you back at least 3 dollars a day if not more. That is 3 x 365 = 1,095 dollars a year. If you can't top drinking the stuff, go somewhere cheaper or brew at home.